Aberdeen SD Life Insurance Lawyer
In Aberdeen, South Dakota’s “Hub City,” known for its welcoming community and rich railroad heritage, families facing life insurance disputes often find themselves at odds with large insurance companies that delay or deny rightful benefits. At The Lassen Law Firm, we help Aberdeen residents resolve denied, delayed, or disputed life insurance claims, including challenging accidental death and dismemberment (AD&D) cases.
Attorney Christian Lassen, Esq. brings more than 25 years of experience focused solely on life insurance law. With hundreds of millions recovered for clients across the country, our firm is proud to stand with families in Aberdeen as they fight for what their loved ones intended them to receive.
Why Aberdeen Families Trust The Lassen Law Firm
Exclusive to Life Insurance Law
We do not split our focus. We handle only life insurance claims and disputes.
Serving All 50 States
Whether your case involves a group policy through a South Dakota employer or an individually purchased plan, we can help.
Direct Legal Representation
You will work directly with Christian Lassen, not a paralegal or junior associate.
Real Results for South Dakota Policyholders
$670,000 for an Aberdeen client after an AD&D claim was denied due to a “hazardous activity” exclusion. We proved the exclusion didn’t apply to the circumstances of a boating accident.
$590,000 from a group life insurance policy wrongfully terminated during a medical leave. The insurer failed to provide proper continuation options.
$530,000 settlement for a family denied benefits due to an alleged misstatement about a preexisting condition. We demonstrated the application was accurate and the insurer acted in bad faith.
Life Insurance Cases We Handle in Aberdeen
AD&D Denials
We address exclusions involving alleged reckless behavior, intoxication, or risky activities.
Policy Lapse Disputes
We investigate whether proper grace period notices were sent before termination.
Application Misrepresentations
We challenge denials based on unfair or mischaracterized health disclosures.
Contested Beneficiaries
We resolve cases involving ex-spouses, family conflicts, or unclear paperwork.
ERISA Employer-Based Denials
We handle appeals and litigation involving workplace life insurance policies governed by federal law.
Serving All of Aberdeen and Surrounding Areas
We help clients throughout Brown County and the Aberdeen area, including:
Downtown Aberdeen
Northwestern College area
Wylie Park
Melgaard Park
Bath
West Hill
Riverside
Groton
Warner
Columbia
Whether your policy was issued privately or through an employer, we are ready to fight for your rights.
What You Can Expect
Detailed case assessment
Strategic legal action against insurers
Federal and state court litigation
No fee unless we recover money for you
Talk to a Life Insurance Lawyer Today
Call The Lassen Law Firm at 800-330-2274 for a free consultation with attorney Christian Lassen.
Written & Reviewed by Christian Lassen, Esq.
National Life Insurance Attorney | 25+ Years of Experience
Quoted in The Wall Street Journal (May 17, 2025)
Last reviewed: June 13, 2025
Our FAQ
Have questions? We are here to help. Still have questions or can't find the answer you need? Give us a call at 800-330-2274 today!
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A grace period is the time after a missed payment during which the policy remains in force, usually 30 to 60 days depending on state law and policy terms.
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No. In most states, insurers must send a written notice of overdue premiums and warn of pending lapse before terminating coverage.
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The policy may still be enforceable. Beneficiaries can challenge the lapse based on the insurer’s failure to provide required notice.
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Yes. If the insured dies during the grace period, the policy is still considered active, and benefits should be paid.
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Yes. In group life insurance policies, employers sometimes fail to forward premiums properly, leading to wrongful lapse denials.
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Yes. If automatic payment setups fail through no fault of the insured, lapses may be challenged.
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Some policies automatically borrow against cash value to cover missed payments. Failure to apply this correctly can lead to wrongful lapse claims.
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Possibly. Some courts excuse nonpayment if the insured was mentally incapacitated and missed premiums without proper notice.
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No. Reinstatement must occur while the insured is alive, but wrongful lapse denials can still be challenged posthumously.
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Not without following strict notice and grace period rules. Beneficiaries can often challenge technical denials.
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Deadlines vary by state, but it’s critical to act within 1 to 5 years depending on the policy and jurisdiction.
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Not necessarily. Payments mailed within grace periods or accepted by insurers may keep coverage active.
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Bank records, payment receipts, insurer correspondence, and premium notices are key evidence.
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If the insurer used an outdated address despite updated information, lapse denials can often be overturned.
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Possibly. If the insured submitted a reinstatement application before death, it may help challenge a lapse denial.
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In some states, special grace periods and protections applied during COVID-19 emergencies. They can help fight wrongful lapses.
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Only if the insurer followed all legal notice and grace period requirements. Otherwise, beneficiaries may still recover.
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Misapplied premiums can lead to wrongful lapses — and courts often hold insurers accountable for these errors.
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An attorney can obtain records, challenge improper lapses, negotiate settlements, and litigate if necessary to enforce payment.
Our Clients Speak Volumes
The Right Choice for Your Claim
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“They rejected our claim, saying the treatment my wife was undergoing wasn’t FDA-approved. The Lassen team got expert testimony and proved the procedure wasn’t the cause of death. That made all the difference.”- Anthony J.
Why The Lassen Law Firm Is Different
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Proven National ResultsRepresenting clients coast to coast and recovering hundreds of millions in denied life insurance claims, we secure justice and peace of mind for families everywhere.
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Recognized ExpertisePerfect 10.0 Avvo rating endorsed by over 1,700 attorneys; life member of the Multi-Million Dollar Advocates Forum; ranked among the top 1 percent of lawyers nationally for life insurance litigation.
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Client-First AdvocacyNo upfront fees: our contingency fee guarantee aligns our interests with yours; we provide personalized, compassionate representation from your initial consultation through resolution.
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Media & Community LeadershipQuoted in The Wall Street Journal and featured in leading legal publications; frequent speaker at national conferences; dedicated to charitable efforts supporting pediatric cancer care.